Michael Needham

Finturf is proud to announce its partnership with Equity Sales Finance, marking an expansion of its lending network. This collaboration is set to enhance Finturf’s already robust network of lenders, offering a broader range of specialized financial solutions to more industries. Finturf’s partnership with Equity Sales Finance represents a proactive approach to fulfilling the varied […]

Are your customers hesitant to invest in a new HVAC system due to the high upfront cost? Imagine a solution where you can not only boost your sales but also make heating and cooling systems more accessible for your customers. Enter lease-to-own financing – a game-changer for HVAC contractors like yourself. In this blog, we’ll […]

A striking 82% of small businesses collapse due to mismanaged cash flow, not lack of profit. What, then, is the essence of operating cash flow? In this exploration, we’ll dissect cash flow analysis and provide you with the tools to adeptly calculate operating cash flow, fortifying your business against financial pitfalls. What is Operating Cash […]

Starting a business in the HVAC industry is not just about the skill and the will; it’s about fulfilling legal requirements and industry standards, too. Obtaining the necessary HVAC licenses and certifications could be your golden ticket to not just enter this field but to thrive in it. So, what does it take? Stick with […]

As a contractor specializing in home renovations, imagine a client requests a quote for a kitchen remodel on your website but finds it’s beyond their budget. Typically, they’d either postpone the renovation or endure the lengthy process of seeking external financing. Now, envision a streamlined alternative: your client easily secures financing on your website. Welcome […]

Intuitively, we all know that games are fun, but what if you could use that insight to your advantage in retail? Well, you can! An increasing number of businesses have discovered plenty of value in blending gaming mechanics with marketing strategies. In turn, gamification in retail can help increase brand awareness, grow your customer base, […]

Successfully operating a health center hinges on effective patient acquisition, care, and retention. Since trust plays a big part in medicine, investing in obtaining new patients can pay off in the long run, as patients prefer the help of medical professionals they’re already familiar with. The channels you use to communicate and the educational expertise […]

TGUC Financial, in partnership with Finturf, announces its new entry into the home improvement point-of-sale (POS) financing sector, leveraging Finturf’s Lending-as-a-Service (LaaS) solution. The partnership enables TGUC Financial to lend directly to its network of home improvement contractors, as well as across Finturf’s ecosystem. With this venture, TGUC Financial is deploying over $300 million in […]

In today’s fast-paced business environment, it’s more important than ever for companies to understand and engage with their customers. One powerful tool for achieving this is the customer health score. A customer health score is a numerical representation of the well-being and engagement of a company’s customer base. By regularly monitoring the customer health score, […]

Money 20/20 is one of Finturf’s most anticipated conferences of the year. We’ll be in Las Vegas from Oct. 22 to 25 to showcase our Lending as a Service (LaaS) Solution. Finturf’s LaaS is designed for financial institutions already immersed in consumer lending aiming for a seamless, quick market entry into point-of-sale (POS) financing. Our […]

The patient journey includes the entire timeline of a patient interacting with a healthcare facility. It starts when the patient learns about the clinic’s existence and ends long after treatment. A patient journey map is a tool that health clinics use to better understand how patients interact with the facility throughout their journey. It encompasses […]

Plastic surgeons consistently rank among the highest-paid medical specialists in the United States. However, their salaries can range dramatically depending on where they practice, their certifications, and how many years of experience they have. But how much money do plastic surgeons make? If you’re a surgeon and want to know how much a fair salary […]

As the Service World Expo kicks off tomorrow, Oct. 3, Finturf will be there, showcasing our response to the dynamic shifts in consumer financing for residential contractors. Schedule a meeting or stop by booth #1815 to discuss how you can take advantage of:  High Approval Rates: Our multi-lender waterfall system boasts up to 90% approval […]

While rooftops are designed to shield and protect, your roofing business needs to stand out and be seen. In this blog, we’ll delve into the essentials of roofing marketing, ensuring that your business doesn’t just blend into the skyline but becomes a landmark in its own right.  Why You Need to Market Your Roofing Business […]

Navigating the HVAC industry often involves a relentless pursuit of new customers. However, focusing solely on customer acquisition might mean missing out on a frequently neglected metric: the average order value (AOV). So, let’s dive into AOV, its calculation, and strategies to increase it. What Is AOV (Average Order Value)? Average order value, or AOV, […]

Imagine having customers who love your work so much they can’t wait to hire you again. Or do you dream of having customers so loyal that they would never call anyone else for their home service needs? Now stop imagining. This is entirely within your reach. But why exactly is a repeat customer so important? […]

Finturf is thrilled to announce the expansion of its lender portfolio for home improvement and medical merchants. The expanded roster now includes notable lenders such as Watercress, Breeze, Varidi, Microf, Okinus, TGUC Financial, and Eve Financial, among others.  With the release of Finturf’s full spectrum of lenders, partnered merchants in the home improvement and medical […]

The dental field is on the brink of a tech revolution to enhance patient experiences, streamline workflows, improve diagnostics, and broaden treatment options. Think AI-assisted diagnosis, AR planning of procedures, teleindustry expansion for greater patient access, and robotics surpassing human accuracy. However, the possibilities don’t stop there. This article delves into these innovations, discussing how […]

Are you looking to become a licensed general contractor in California? As a general contractor, you will be responsible for overseeing and managing construction projects, and a license is required to legally perform this work in California. This article will cover everything you need to know about obtaining a general contractor license in CA, including […]

Welcome, independent contractors and self-employed practitioners! If you’ve chosen the path of self-employment, you know it comes with many freedoms and several unique challenges. One such challenge is managing your taxes. As an independent contractor, you’re solely responsible for paying your taxes, which can seem daunting. But there’s good news! The tax code provides numerous […]

In the competitive world of business, 65% of customers switch brands after just one poor service experience. This sobering statistic reinforces the fine line between retention and customer loss. However, delivering first-class customer service isn’t a one-size-fits-all approach – it involves understanding and deploying an omnichannel approach that includes reactive and proactive strategies. But ​​how […]

Our appreciation goes out to all those involved in making #FinovateSpring2023 a reality. The combined efforts of each participant, contributor, and organizer added to the event’s overall success. We were privileged to have an opportunity to share Finturf’s innovative approach to point-of-sale (POS) financing and to highlight how lenders can use our platform to streamline […]

Finturf is pleased to announce its participation in the upcoming American Dream event. Taking place on June 27 to 28 in Houston, this event offers an invaluable opportunity for merchants and service providers to explore new consumer financing solutions with Finturf. We invite you to make the most of the American Dream event by scheduling […]

Finturf is proud to announce its partnerships with a diverse range of financing providers catering to the chiropractic and neuropathic industries. With these partnerships, we’re committed to introducing more flexible and patient-friendly financing options. These enhancements not only ease access to necessary care for patients but also pave the way for providers to expand their […]

Welcome to the world of modern financing, where Finturf plays a pivotal role in shaping the future of point-of-sale (POS) lending. As a lender on our platform, you are plugged into a vibrant ecosystem that not only drives substantial lead volume but also empowers you with the tools necessary to streamline operations, garner more customers, […]

Are you a home remodeling contractor looking to expand your customer base? Generating leads can be a daunting task, with so many methods to choose from. But fear not, because we’ve got you covered. Our comprehensive guide features 17 proven ways to generate a flood of home remodeling leads, whether you’re on a shoestring budget […]

In the world of business, language matters. And understanding the subtle differences between seemingly interchangeable terms can be critical to success. For instance, ‘client’ and ‘customer’ are used synonymously but have distinct meanings. A client typically engages in an ongoing, personalized relationship with a company, while a customer is often involved in a more transactional […]

Finturf is thrilled to announce its attendance at FinovateSpring, taking place from May 23 to 25 in San Francisco. This game-changing event is a must-attend for lenders and Fintech companies looking to stay ahead of the curve and explore cutting-edge solutions. Don’t miss the chance to see Finturf in action! We’ll be demoing our point-of-sale […]

Have you ever wondered how some marketing campaigns successfully lead people to respond? Businesses pour so much time and money into their marketing, but there is no guarantee that consumers will react accordingly. Foremost, a firm must understand its target audience and build marketing campaigns that appeal to these consumers. As it would be ineffective […]

The retail industry is undergoing a major transformation as technology plays a larger role in the way we shop and purchase goods. In recent years, artificial intelligence (AI) has become a buzzword in the retail industry, and with good reason. AI has the potential to revolutionize the way retailers operate, from customer service to inventory […]

Whether you are just starting your chiropractic career or have your own clinic, you would surely like to demonstrate your commitment to excellence to your patients. Obtaining a chiropractic certification and license can help you achieve that goal. A chiropractor license is essential to legally practice chiropractic care, while certification is usually documentation to showcase […]

Finturf couldn’t be more excited to showcase our financing solutions at IWCE from April 19 to 21 in Charlotte. We’re looking forward to discussing how our consumer financing solution is tailored to the unique challenges you face in the window industry. Finturf’s mission is to make financing a breeze for both window contractors and their […]

HVAC contractors utilizing Finturf’s direct-to-merchant financing solution will now be able to provide financing to more customers, thanks to our partnership with Microf. Microf offers a lease-purchase program that connects credit-challenged homeowners to a monthly cost-to-own solution for acquiring a new HVAC system. All HVAC contractors in our system can start sending applications to Microf […]

Watercress Financial and Finturf have partnered to offer homeowners a wider range of financing options for home improvement projects. This new collaboration will fully integrate Watercress Financial’s financing products into the Finturf network, enabling contractors to offer flexible payment options to their clients. With Watercress Financial’s low-cost and transparent funding options, contractors can provide their […]

The ACCA 2023 conference is just around the corner and Finturf is thrilled to be a part of it from April 2 to 5 in New Orleans. We understand the challenges that HVAC contractors face when it comes to financing their clients’ HVAC systems. That’s why we have created a multi-lender financing solution that empowers […]

Finturf’s merchant tools and dashboard have been designed with flexibility and control in mind, giving our partnered merchants the freedom to tailor our proprietary technology and platform to fit their unique needs. Here are some of the exclusive features offered on Finturf’s merchant dashboard: Add custom roles and control access levels Filter financing offers that […]

Patient no-shows can be a costly and frustrating problem for healthcare clinics. In fact, patient no-shows are estimated to cost health facilities about $150 billion annually. Fortunately, there are various ways for healthcare providers to reduce patient no-shows, eliminating delays in patient care and increasing productivity. From utilizing appointment reminders to offering incentives to patients, […]

“If you can’t measure it, you can’t manage it.” The late W. Edward Deming’s quote rings true for many businesses today. Ensuring top-notch performance while maximizing profitability is something most companies strive for, including healthcare facilities. To measure the effectiveness of facility operations, finances, and internal management, many institutions implement healthcare KPIs. KPI in Healthcare: […]

About 38% of adults in America have delayed, skipped, or were forced to cut back on household expenses to afford medical tests and treatment. In addition, insurance plans do not always cover all types of medical costs, which increases the barriers and limits access to healthcare for millions of people. Medical practitioners may not always […]

The swimming pool construction industry was worth $9.3 billion as of July 2022, according to IBISWorld. Specifically, the Association of Pool and Spa Professionals says there are over 4.5 million residential inground swimming pools in the U.S. Are you running a pool business or just taking it off the ground? Pool company marketing and swimming […]

The best time of the year is quickly approaching – the season of giving. And showing your gratitude should not only be reserved for friends and family. Instead, what better way to give back to your medical patients than to show your thanks for their loyalty and trust in you? With our five-holiday marketing tips, […]

We are happy to announce our partnership with Varidi, which will help our qualifying healthcare partners offer payment plans to their credit-challenged patients. Varidi’s Payment Guarantee plan approves 100% of eligible patients for pay-over-time plans. As a result, patients no longer have to forgo treatment, and medical providers can serve more clients. Additionally, Varidi covers […]

When Canadian-American chiropractor Daniel David Palmer founded chiropractic as a profession in 1895, he didn’t have all the chiropractic marketing ideas and strategies at hand as you do today. Specifically, digital marketing for chiropractors is one of the main routes you can take to move your business toward greater success. This article will help you […]

As the U.S. government pushes for increased energy-efficient policies amid unprecedented climate change, now might be a great time to start a solar panel business. In fact, the solar industry is expected to grow 17% per year until 2027. Therefore, starting a solar panel business could be an opportunity for you to be your own […]

Did you know the first air conditioning system wasn’t designed for homes? American engineer Willis Carrier invented the first AC unit in 1902 to protect his papers from humidity in his publishing house. Today, the need for smart heating, ventilation, and air conditioning (HVAC) systems is growing worldwide. If you’re an owner of an HVAC […]

The number of new plastic surgery methods keeps increasing every year, and so does the demand for these surgeries. For comparison, the number of plastic surgeries performed grew from 900,000  in 1997 to over 1.5 million in 2021 If you run your own plastic surgery clinic, you need to stay up to date with what […]

The chiropractic industry is the third-largest medical profession in the United States, with around 70,000 licensed chiropractors. And the industry is growing as 35 million Americans seek professional chiropractic care every year. With such stiff competition amongst practitioners, you may be wondering how to build a successful chiropractic practice. We’ve outlined some of the top […]

One goal shared by every healthcare professional is helping their patients get better. However, there are roadblocks that keep this from happening. To help make sure your patients complete their healthcare journey and choose to return to your practice for future procedures, read on for our patient retention strategies. Educate Your Clients Visiting a medical […]

According to a study by Statista, the global lingerie retail market is expected to reach $78.66 billion in 2027. Although this market is dominated by world-famous brands such as Victoria’s Secret and Calvin Klein, now may be a great time to invest in the industry and start your own lingerie business. Of course, you will […]

Patients should feel comfortable when they visit their healthcare provider’s office, but many don’t. Financial concerns are the most likely reason for less-than-optimal visits. As a result, patients will often forgo treatment or use another medical service provider if they cannot afford treatment at your clinic. One solution is to provide a financing option so […]

Point-of-purchase (POP) displays are a marketing technique used to draw shoppers’ attention to specific items in a store. They can be made from any solid material and placed in high-traffic areas of the store, including at the cash register or in-between aisles. POP displays can be temporary (freestanding displays or dump bins), semi-permanent, and permanent […]

According to a study, between 50% to 80% of adults in the United States have some degree of dental anxiety. Unsurprisingly, fear and anxiety toward dentists and dental treatments contribute to the avoidance of receiving dental care. In fact, the same study showed that more than 20% of dentally anxious patients avoid visiting the dentist […]

Assessing your retail store’s performance is more than measuring conversion rates and in-store traffic. Instead, conducting a full retail store audit can offer more comprehensive insight into a store’s pricing, competition, inventory management, and visual merchandising strategies. As a result, retailers can lean on hard data from a store audit to improve operation, compliance, and […]

The conversion rate in retail is an important indicator of a retail store’s performance and customer behavior. It is calculated by dividing the number of shoppers who purchased at least one item by the total number of customers entering the store. Several factors, including the store’s layout and customer service, influence the conversion rate. As […]

Imagine walking into a grocery store, and a highly energetic sales clerk is bombarding you with information about the newest selection of meats and poultry. Little do they know, you are actually vegan. What an awkward and uncomfortable interaction. Is there anything the clerk could have done better in this given situation? Perhaps, but we […]

Attracting new patients to your dental practice is vital in today’s competitive market. Whether you’re just starting or are looking for ways to attract more people, knowing what works and what does not can simplify the process. Our blog will walk you through proven methods to attract new patients, improve your marketing plans, and increase […]

It is true that customers often remember terrible experiences they have had with retail employees. However, the same can be said of excellent customer service experiences. To ensure a positive shopping journey and repeat consumers, retail employees will want to get off on the right foot with customers. And this can be done with a […]

A retail markdown strategy involves a permanent price decrease on an item at the end of its lifecycle. The goal is to sell through all the stock and maximize gross margins. Without a retail markdown strategy, retailers may face over-stocked store shelves and lower sale figures. Therefore, small business owners that want to move their […]

According to IBIS World, the pet grooming and boarding industry has already accounted for $8.5 billion in 2022. And the market size is projected to increase further. If you love dogs and are interested in becoming your own boss, you may consider opening a dog boarding business. To begin, research the industry, calculate the business-related […]

Since you’re reading this, I’ll assume you’d like to start your own teeth whitening business. And fortunately, the road isn’t difficult, and the rewards are plentiful! With the proper business plan, permits, equipment, and licensing, you can begin your own teeth whitening business. You can upsell these services at your existing dental practice or set […]

“Show me a man with a tattoo, and I’ll show you a man with an interesting past,” Jack London. Tattoos are one of the most favored forms of self-expression. According to Ibis World, the number of tattoo businesses is 29,235 in the U.S. as of 2021, a 6.2% increase from 2020. Are you interested in opening […]

In marketing, a product is anything that can be bought and sold that meets a want or need of a person, business, or organization. This article focuses on a specific kind of product, called consumer products. We will discuss four types of consumer products and how you can tailor your marketing efforts to successfully promote […]

If you want to grow your business, a good place to start is by reviewing your pricing strategies. A few good questions include: How close are you selling to the manufacturer’s suggested retail price (MSRP)? What do your sales displays look like? Do you ever sell your products at a loss? We will explore these […]

Are you looking for ways to improve your company? You can’t do it without understanding your customers and studying different consumer behavior types. Consumer buying behavior is about the actions and decisions that people undertake to purchase products or services. As well-known neuroscientist and author Antonio Damasio has said, “we are not thinking machines that […]

To survive in the overly saturated retail market, every business seeks new methods to gain a competitive advantage. One of these methods is the direct store delivery model. Many small businesses choose to deliver their products directly to the retailer or consumer to save money and time. This article will focus on what is DSD […]

Customer loyalty is the holy grail of marketing for one simple reason – it’s much more cost-effective to boost repeat business than to source new customers (although you need to do both). Research conducted by Bain and Company shows that it’s practically impossible to break even on new customers alone since the cost of acquiring different […]

Coming up with a great business idea is only the first step in becoming a successful brand. Knowing how to convey your product to your target audience is what makes your brand grow and establish itself. Some businesses rely on intermediaries to market and sell their products. Other companies utilize direct-to-consumer (D2C) marketing to control […]

Marketing pioneer and visionary Morris Hite said: “Advertising moves people toward goods; merchandising moves goods toward people.” Cross merchandising is a way through which Hite’s concept can be implemented. So, what is cross merchandising? It’s about bringing together complementary products from different categories to make the shopping experience more convenient. 2019 witnessed a 2.8% dip […]

One of the most difficult parts of sales is actually closing the sale. But once you’ve finally gotten a customer to say yes, why not continue selling to them? This is exactly what point-of-sale advertising does. Point-of-sale (or POS) advertising targets a customer during a purchase to encourage them to buy additional items. What is Point-of-Sale […]

Finturf attended the California Golden State Tattoo Expo earlier this month and was pleased to meet hundreds of talented professionals in the tattoo industry. We were impressed with the designs on display, and we look forward to working with the artists interested in point-of-need financing for their business. Thank you to everyone who helped organize the successful event. A highlight was watching […]

All businesses lose customers. According to Profitwell.com, this average customer retention rate by industry is: Retail: 63% Banking: 75% Telecom: 78% IT services: 81% Insurance: 83% Professional services: 84% Media: 84% While none of these industries can keep all their customers, it is possible to decrease the losses. The first step is figuring out why […]

If you haven’t made a buy now pay later (BNPL) purchase yourself, you’ve probably at least heard the term. Many large retailers offer the popular payment method, alongside traditional payment methods like cash, credit, or debit. Buy now, pay later is also called pay in four, as it allows consumers to pay off their purchases […]

You can’t approach every customer with the same sales techniques because each buyer is uniquely different. In fact, shoppers are categorizable into seven groups based on their purchasing habits. By understanding the characteristics of different types of shoppers, you will be better able to meet their needs. Here are the seven different types of shoppers, […]

Creating a brand is like making a cocktail by adding just the right amounts of company values, features, and uniqueness. Do it right, and your brand can be a powerful tool. Case and point, Coca-Cola or Band-Aid. Their brand names are so well-known that they have become generic terms used to describe their products. How […]

When running a business, there are two types of costs: fixed costs and variable costs. Any alteration in the fixed or variable costs may affect your company’s net income and breakeven point. Fixed costs do not shift with the amount of the items produced or sold; however, variable costs do. What is a Fixed Cost? […]

You’ve just hired a qualified candidate — someone you think is perfect for the job. Now, you’re tasked with training that person, showing them the ropes, and introducing them to their new role at the company. That can happen at the orientation. Orientation is the first step in the onboarding process. Often, a new employee’s […]

First-line employees in the retail industry are the first to communicate with customers. The responsibility of leaving a good first impression is usually on their shoulders, and as the famous saying goes: you never get a second chance to make a first impression. Politeness and readiness help your customers leave your store with a smile […]

Stepping into a retail store, you may spot that some products appear to be more noticeable than others. You may also note that the outfits of mannequins in shop windows change from time to time. Have you wondered why they keep playing that one song so often, or why ice cream freezers suddenly turn up […]

It’s no wonder customer financing has boomed in popularity as it offers more budget-friendly payment options. With consumer financing, buyers are no longer obligated to pay for large-sum products or services upfront and in full. Instead, they are given the flexibility to pay in budget-friendly installments. But what does this shift to customer financing mean […]

Price is often the determining factor in whether or not a consumer will make a purchase. It is one of the primary measures customers use to compare products and services with those of the competition. Understanding price can help you make a pricing policy that will attract more consumers and increase profitability. It’s a bit […]

The key to a successful business is having an organized setup. That’s never more true than in the warehouse, the backbone and foundation of a retail business. Having a disorganized warehouse can affect the production and productivity of your company. On the other hand, cleaning, organizing, and labeling your warehouse can make it seem larger […]

Thirty percent of Earth’s total waste comes from the United States, and 20.4% of that waste is made up of goods thrown out by businesses. As Earth Day approaches, let’s protect our planet from damage caused by human activities. Here are some tips on how to adopt cost-efficient and eco-friendly ideas for your business. An […]

Working past the traditional retirement age is more common than ever. According to the 2019 Census, almost 26% of the American workforce is between 65 and 74. Whatever your reason for wanting to work post-retirement, the good news is that you, as a senior citizen, have plenty of options. Whether you want to continue working in […]